FNP. unless you want to CCW then the colt. The FNP, a friend of mine has compared to a USP, just cheaper (in terms of accuracy, about 2in at 25yards). reliability, it seems great (Doesn't seem to have the problems the first generation FNP9's and 40's had had). with the flat backstrap the trigger reach is excellent for a double stack .45 for the double action trigger pull. the SA pull is about 4.5lbs. capacity is 14+1, which is excellent. i remember reading in another thread, unless my memory is misleading me-
"USP 12 +1
XD 13+1
so the XD wins in my mind."
using that logic...
FNP 14+1, why woudln't the FNP win?
But in all seriousness, the FNP feels good in the hand, its got a nice trigger, good accuracy, reports on reliability so far have been good. and its about 570bucks. comes with 3 mags too. and remember, with the short barrel 1911's, reliability, isn't usually all that great (well, as compared to a 5in 1911 - especially to a new age polymer pistol). but when it comes down to it, i'd handle and try the trigger on both.